Public Bank Quantum MasterCard

Have no annual fees for life and get more spending benefits out of your credit card such as 5% cashback on online transactions and earn up to 2x VIP Points!

Public Bank Quantum MasterCard5% cashback for online shopping
Min. Income
Annual Fee
up to 5%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a Complimentary
RM200 Lazada e-voucher or Morgan 12L Food Steamer
worth RM200
when you apply through RinggitPlus
Terms and conditions apply

RM200  Lazada e-voucher or  Morgan 12L Food Steamer

Our Previous Winners


Don't forget to use your Quantum MasterCard when you shop online as you can get 5% cashback, capped at RM30 per month.

Cashback categoryCashback rateMonthly capSpend
Online Shopping5%RM30any amount


Pay more and earn more as every Ringgit you spent with the Quantum MasterCard, you are actually rewarding yourself a 1x VIP Point. Overseas retail spend earns you 2x VIP Points. Accumulated VIP Points will expire in 3 years.

VIP Points
1 point on every RM1local retail transactions
2 points on every RM1overseas retail transactions


Get a complimentary Public Bank Quantum Visa credit card when you sign up for this credit card - because two is better than one! Love shopping? Get your goods protected with e-Commerce Purchase Protection of up to USD200. Plus, enjoy 50% discount on Will and Wasiat Writing service fee.

Balance Transfer

Take advantage of savings and flexibility when you transfer your outstanding credit card debts to Public Bank credit card to benefit from low one-time upfront interest starting from 1.5%.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.5% one-time upfront handling feefrom RM1,000
12 months0% p.a. and 3% one-time upfront handling feefrom RM2,000
24 months0% p.a. and 5.5% one-time upfront handling feefrom RM3,000
36 months0% p.a. and 7% one-time upfront handling feefrom RM6,000
Learn more about Public Bank Balance Transfer

Easy Payment Plans

Exclusive for Quantum MasterCard cardholders, you are entitled to a flexi-payment offer that will give you 1% interest for 12 months. You only need to spend a minimum of RM1,200.

Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months1.5% one-time upfront handling feeRM1,000
9 months2% one-time upfront handling feeRM2,000
12 months3% one-time upfront handling feeRM1,000
24 months5.5% one-time upfront handling feeRM2,000
36 months7% one-time upfront handling feeRM3,000
48 months9.5% one-time upfront handling feeRM5,000
Learn more about Public Bank Flexipay Plan

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life

    Free for life for supplementary card

  • RM - supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
MasterCard PayPass


Minimum Annual Income
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
Public Bank Flexipay Plan
Tired of window shopping all the time? You can shop for anything at anywhere with installment rate as low as 1.5% with this Public Bank Flexipay Plan.
Balance Transfer Plans
Public Bank Balance Transfer
Fancy paying 1.5% interest over flexible repayment terms for a Balance Transfer? Transfer your outstanding credit card debts to Public Bank Balance Transfer.


Shopping is the most celebrated activities in life. You can do it while taking advantage of cashback and rewards with Public Bank Quantum MasterCard credit card.

Zero Annual Fee for Public Bank Quantum MasterCard Cardholders

You must be thinking that there is a catch, right? But no! There is absolutely no hidden motive behind it. 

Both principal and supplementary cardholders of Public Bank Quantum MasterCard can equally enjoy a free-for-a-lifetime card usage without any conditions.

Say bye-bye to credit cards which charge you a steep annual fee and turn to Public Bank Quantum MasterCard to get more for your money.

Double Quantum Cards

More good news for those wishing to sign up for Public Bank Quantum MasterCard today as you will get a complimentary Public Bank Quantum Visa credit card upon approval. Isn't two is better than one?

5% Cashback

Do you like the idea of getting back your money after spending it? Well, Public Bank Quantum MasterCard credit card gives you 5% cashback on every online transaction.

Do you know that you can enjoy significant savings on your spending through cash rebate, which is sort of a refund in small percentage credited back into your credit card? 

All you need to do is spend, spend and spend!

If Online Shopping is your biggest forte, then Public Bank Quantum MasterCard is the right choice for these indulgences. 

For every Ringgit spent on the category, you earn 5% cashback, capped at RM30 per month.

Highlights for Public Bank Quantum MasterCard

Public Bank Quantum MasterCard

Public Bank Quantum MasterCard

Highest cashback rate

5% cashback with NO minimum spend

Highest cashback amount

RM30 per month

Max. spend to earn highest cashback amount

RM600 per month

Eligible spend to earn highest cashback rate

Online Transactions

Eligible Cardholder(s)

Principal & Supplementary

Public Bank Quantum MasterCard VIP Points

Cashback alone is not enough to deem a credit card's uniqueness. 

That's why Quantum MasterCard steps up its game with cashback and reward points features so that you can reap the benefits of this plastic card.

It's easy to collect VIP Points:

  • For every Ringgit spent on local retail transaction, you earn 1 VIP Point, whereas 2 VIP Points will be rewarded for RM1 spent overseas. 

Put simply, RM3,000-worth of spending gets you 3,000 VIP Points. Do note that your VIP Points will expire in three (3) years.

0% Flexi-Pay for 12 months

Free up your monthly expenses with a flexible instalment plan that charges you zero interest on your conversion amount.

Exclusively for Public Bank Quantum MasterCard credit cardholders, you get to enjoy a 1% one-time upfront interest for a 12-month flexi payment plan.

To convert the amount to Public Bank Flexipay Plan, just make a minimum transaction of RM1,200, then call Customer Service at +603 2176 8000.

You can also write to [email protected] 3 days after the purchase or 5 days before settlement date.

Public Bank Quantum MasterCard Contactless Function

Your Public Bank Quantum card is equipped with a contactless functionality, where you simply need to tap or wave your card on the contactless terminal reader when making payment at the checkout. 

  • No signature or pin is required for retail purchase of RM250 and below in Malaysia.
  • Cumulative contactless transaction limit is defaulted to RM500.
  • The cumulative contactless transaction limit will be reset automatically after performing transaction with PIN entry
  • To change the cumulative contactless transaction limit, or to turn off the contactless functionality, you may perform it via ATM / CRM or call Public Bank Card Services Help Desk at 03-2176 8000.

24/7 Help Desk

If your credit card is stolen, tampered with or broken, there is a dedicated, round-the-clock Help Desk who is ready to assist you for any credit card-related emergencies. 

Just dial +603 2176 8333.

What documents are required?

Salaried Employee / Employed

  • Latest Month Payslip and/or
  • Latest EA Statement and/or
  • EPF Statement and/or
  • Employment Letter / Employer Confirmation


  • Latest 1 year Tax Returns / Tax Receipts
  • Latest Income Tax Return (Form B)
  • Copies of Business Registration
  • Latest 3 months bank statement
  • Latest 6 months company CASA statement (for company directors)
  • Copy of latest card statement

 *Applicants who are self-employed but do not register for companies are required to fill up their names as the company name and indicate the nature of business.

Variable Income

  • Latest 6 months of the following:
    • Overtime as reflected on the Payslips
    • Commissions Statements / Vouchers
    • Fee Statements / Vouchers
  • Latest 3 years of the following:
    • Dividend Statements / Vouchers
    • Interest Statements / Vouchers

Other Income source

  • Tenancy Agreements and/or
  • Pension Statements / Vouchers and/or
  • Annuities Statements

Overseas Income

  • 3 months Payslips
  • Latest 2 years Notice of Assessment / Form IR8A / Form IR8E (for Singapore only)
  • Salary Deposits Account (reflecting the latest minimum 3 months of salary crediting - for Brunei only)
  • Employment Letter

Any additional income documents may be required at the absolute discretion of Public Bank.

Public Bank Quantum MasterCard Credit Limit & Credit Line

If you earn RM36,000 per annum or less, the maximum Public Bank Quantum MasterCard credit limit will be two times (2x) your monthly income. 

If you have two or more cards with Public Bank, a total combined credit line will be offered to cover the use of all cards held by you (the principal) and your supplementary cardholders. 

You can choose to have your Supplementary cardholders nominated for a separate credit line from a minimum of RM1,000.